SEPA Mandate Email missing

  • Resolved dschingis

    (@dschingis)


    8 years, 4 months ago

    Hi,

    on a stage site I ordered a product via SEPA Direct Debit payment method.

    The customer should get an email with debitor and creditor information, SEPA Mandate number etc. But he did not. The vendor did not get any information about the payment status.

    In my Stripe account I see, that the payment was successfully processed. And there I find the SEPA data.

    I added the webhook link to my Stripe backend. The SEPA notification email is activated in the WooCommerce Settings.

    The WooCommerce Stripe Gateway log shows 

    01-12-2018 @ 10:39:57 - ====Start Log====
Processing response: stdClass Object
(
    [id] => py_####
    [object] => charge
    [amount] => 1190
    [amount_refunded] => 0
    [application] => 
    [application_fee] => 
    [balance_transaction] => 
    [captured] => 1
    [created] => 1515749997
    [currency] => eur
    [customer] => cus_####
    [description] => STAGE SITE NAME - Order 10104
    [destination] => 
    [dispute] => 
    [failure_code] => 
    [failure_message] => 
    [fraud_details] => stdClass Object
        (
        )

    [invoice] => 
    [livemode] => 
    [metadata] => stdClass Object
        (
            [customer_name] => Prename Name
            [customer_email] => [email protected]
            [order_id] => 10104
            [payment_type] => recurring
            [site_url] => STAGE SITE URL
        )

    [on_behalf_of] => 
    [order] => 
    [outcome] => stdClass Object
        (
            [network_status] => approved_by_network
            [reason] => 
            [risk_level] => not_assessed
            [seller_message] => Payment complete.
            [type] => authorized
        )

    [paid] => 
    [receipt_email] => 
    [receipt_number] => 
    [refunded] => 
    [refunds] => stdClass Object
        (
            [object] => list
            [data] => Array
                (
                )

            [has_more] => 
            [total_count] => 0
            [url] => /v1/charges/py_####/refunds
        )

    [review] => 
    [shipping] => 
    [source] => stdClass Object
        (
            [id] => src_####
            [object] => source
            [amount] => 
            [client_secret] => src_client_secret_####
            [created] => 1515749997
            [currency] => eur
            [customer] => cus_####
            [flow] => none
            [livemode] => 
            [metadata] => stdClass Object
                (
                )

            [owner] => stdClass Object
                (
                    [address] => stdClass Object
                        (
                            [city] => Fake city
                            [country] => Fake country
                            [line1] => Fake adress
                            [line2] => 
                            [postal_code] => 1111
                            [state] => 
                        )

                    [email] => [email protected]
                    [name] => DE####3000
                    [phone] => 
                    [verified_address] => 
                    [verified_email] => 
                    [verified_name] => 
                    [verified_phone] => 
                )

            [statement_descriptor] => 
            [status] => chargeable
            [type] => sepa_debit
            [usage] => reusable
            [sepa_debit] => stdClass Object
                (
                    [bank_code] => 37####44
                    [country] => DE
                    [fingerprint] => ####
                    [last4] => 3000
                    [mandate_reference] => W1####02
                    [mandate_url] => https://hooks.stripe.com/adapter/sepa_debit/file/src_####/src_client_secret_####
                    [branch_code] => 
                )

        )

    [source_transfer] => 
    [statement_descriptor] => 
    [status] => pending
    [transfer_group] => 
)

====End Log====

01-12-2018 @ 10:46:18 - ====Start Log====
customers/cus_####/sources request: Array
(
    [limit] => 100
)

====End Log====

    Thank you for any hints

Viewing 15 replies - 1 through 15 (of 24 total)
1 2
  • jmjr

    (@jmjr)

    8 years, 4 months ago

    Until now I am using another Stripe Sources Plugin, which sends out an email, but as far as I have seen, this plugin doesn’t.
    Seems also that a valid pre notification is missing.

    Thomas Shellberg

    (@shellbeezy)

    Automattic Happiness Engineer

    8 years, 4 months ago

    I’m not sure exactly what you are looking for as the plugin sends out the standard WooCommerce order notification emails, is there some specific SEPA email you are looking for?

    Are you referring to the email receipt sent from Stripe itself?

    jmjr

    (@jmjr)

    8 years, 4 months ago

    Hi Thomas,

    I’m not a lawyer but as far as I know it’s mandatory to notify your costumers, before charging their accounts https://gocardless.com/guides/sepa/pre-notification/

    So two plugins I tested, sent out an extra email containing the mandate and a sentence notifying the customer about the future charge and shortening the period of pre-notification.

    jmjr

    (@jmjr)

    8 years, 4 months ago

    According to the Federal Bank of Germany, the pre notification needs to contain the amount and the due date.

    Plugin Contributor royho

    (@royho)

    8 years, 4 months ago

    I don’t believe this plugin needs to do that. Here is what customers see at checkout if they’re using SEPA http://cld.wthms.co/RmxoG1

    This is straight from the documentation of Stripe. Unless there is something I missed, this is sufficient.

    Thread Starter dschingis

    (@dschingis)

    8 years, 4 months ago

    Hi there,

    I quote Stripe docs

    Since this is the mandate that the customer has implicitly signed when accepting the terms suggested above, it must be communicated to them, either on the payment confirmation page or by email.

    Source: SEPA prerequisites

    and concerning recurrent payment please read further notifying customers of recurring payments.

    At least with the first renewal payment the customer needs to know the mandate reference and creditor identifier amongst other things. Both are not shown during checkout or via email.

    Best regards

    Plugin Contributor royho

    (@royho)

    8 years, 4 months ago

    But it is shown during checkout. See here http://cld.wthms.co/VOtWBp

    Thread Starter dschingis

    (@dschingis)

    8 years, 4 months ago

    Hi,

    I read your answer und saw the statement. While it is a mandate, it does not include wether a mandate reference number nor a creditor identifier. That is no problem for one time purchases.

    My point is, that the statement shown during checkout is not sufficient when it comes to subscription products with reccuring payments.

    My observation is, that there is no built-in pre notification of the customer with the above mentioned information before following payments.

    But maybe there is one and I missed it. And maybe that problem has to be tackled by the WooCommerce Subscriptions dev team. I don’t know. I just read the Stripe docs and in my understanding they are providing the prerequisites to solve it. So I wondered how to do it and found no solution while testing.

    Best regards

    Plugin Contributor royho

    (@royho)

    8 years, 4 months ago

    Ok let me study it some more and see what is really needed. Are you open to help us test if needed?

    Plugin Contributor royho

    (@royho)

    8 years, 4 months ago

    @dschingis I have opened up an issue report here https://github.com/woocommerce/woocommerce-gateway-stripe/issues/469

    If you’re keen to follow along.

    Plugin Contributor royho

    (@royho)

    8 years, 4 months ago

    @dschingis if you can please test out the updates from here https://github.com/woocommerce/woocommerce-gateway-stripe

    jmjr

    (@jmjr)

    8 years, 4 months ago

    Hi royho,

    it seems to work fine, but maybe you could work a bit on the layout of this email? It doesn’t seem at all professional/trusthworthy

    https://workupload.com/file/Mhg4htA

    Thanks for the update!

    Plugin Contributor royho

    (@royho)

    8 years, 4 months ago

    Hi,

    So the email is actually generated by Stripe and sent by Stripe. There is another option to manually send it yourself but not yet supported.

    jmjr

    (@jmjr)

    8 years, 4 months ago

    So I will get in touch with Stripe.

    An email that is sent via the WooCommerce itself using the WooCommerce Email Styling would be a great addition!

    jmjr

    (@jmjr)

    8 years, 4 months ago

    Hi,

    I just had a new idea: Couldn’t you simply add a prenotification sentence to the order confirmation email (as done for example with the bank details, when using the bacs gateway) for the first payment?
    For subscription renewals you could then send out a WC styled email with the prenotification as needed.

    This way the client isn’t bothered by strange looking emails from a third (Stripe) and the process is kept quite simple.

Viewing 15 replies - 1 through 15 (of 24 total)
1 2

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